The insurance industry has always been a popular industry. The monthly income of many well-done insurance sales is very high, and people's daily life is inseparable from insurance. In order to avoid possible risks in life, many people will buy insurance for their cars and families. So, have nine new insurance policies been introduced? What are the contents?
Recently, the Guangdong provincial government officially issued the implementation opinions on accelerating the development of modern insurance service industry (hereinafter referred to as the "nine articles of the new province"), which is not only a major deployment for Guangdong Province to implement the "ten articles of the new country" of insurance, but also a special insurance policy issued after 2006.
Five months after the launch of the "new national ten articles" in the insurance industry, it has aroused strong repercussions across the country.
On August 13, 2014, the opinions of the State Council on accelerating the development of modern insurance service industry, which is called the "ten articles of the new country" of the insurance version by the industry, was officially released. The new ten articles have made a clear positioning for the reform and development of China's insurance industry. They are not only the action guide for us to carry out insurance work, but also the top-level design document of the insurance industry. " The relevant person in charge of Guangdong insurance regulatory bureau said that under the framework of the national top-level design, the "nine articles of new province" strive to promote the reform, innovation and development of Guangdong's insurance industry, show the characteristics of Guangdong and highlight the highlights of Guangdong.
The "new Province nine" of Guangdong insurance not only defines the overall requirements for accelerating the development of modern insurance service industry, but also emphasizes guiding the insurance industry from five key areas to better serve economic and social construction, improve the development level of modern insurance service industry, and strengthen insurance risk prevention and resolution.
These five key areas are: strengthening the guarantee function of insurance for people's livelihood; Give full play to the important role of insurance in disaster and accident prevention and rescue, give full play to the functions of insurance in disaster prevention and loss reduction and economic compensation, and establish a catastrophe insurance system in line with the actual situation of Guangdong; Use the insurance function to improve the level of social governance and vigorously develop all kinds of liability insurance; Expand the breadth and depth of insurance support for the development of agriculture, rural areas and farmers; Expand the function of insurance services to improve economic quality and efficiency, introduce insurance funds, accelerate the reform of investment and financing system in Guangdong, and alleviate the financing difficulties of enterprises.
Challenge
The compound growth rate needs to be 15.8% before 2020
At the same time, the "new province's nine articles" have defined the development goal of Guangdong's Insurance Industry: by 2020, we will basically build a modern insurance service industry with comprehensive guarantee, perfect functions, safety and stability, standardized integrity, strong service ability, innovation ability and international competitiveness, which is commensurate with Guangdong's economic and social development level and the needs of the people. Insurance has become the basic means of risk management and wealth management for the government, enterprises and residents, an important channel to improve the level and quality of security, and an effective tool for the government to improve public services and strengthen social management.
It is worth mentioning that the "new Province nine" of Guangdong insurance also proposed for the first time that by 2020, the insurance depth will reach 5%, the insurance density will reach 5000 yuan / person, each resident has a life insurance policy, and the insurance compensation expenditure will account for more than 10% of major disaster losses.
According to Guo Wenge, party secretary and general manager of PICC Property & Casualty Insurance Guangdong Branch, achieving this goal is very challenging. "This is the first time that Guangdong insurance industry has put the development of insurance industry in the general pattern of economic and social development in terms of quality and quantity. In the future, the government, all sectors of society and insurance practitioners need to redouble their efforts."
According to the data of Guangdong insurance regulatory bureau, in 2013, the insurance depth in Guangdong was 3.1%, the insurance density was 1787.8 yuan / person, the per capita life insurance risk guarantee was 68000 yuan, and the per vehicle risk guarantee was 505000 yuan. Taking the insurance density as an example, the insurance density in Guangdong was 1787.8 yuan / person in 2013. According to this requirement, it will reach 5000 yuan / person by 2020, so the compound growth rate in the next seven years (including 2014) needs to reach 15.8%.
In addition, the highlights of the 'new province's nine articles' also include exploring the establishment of information sharing mechanisms for medical and health care, basic medical insurance and commercial health insurance; Support insurance companies to operate enterprise annuity and occupational annuity according to law; Encourage insurance companies to set up medical institutions and participate in the restructuring of public hospitals, and provide policy support in terms of multi-point practice of doctors, fixed-point qualification of social security and professional title evaluation of medical talents; Accelerate the development of education insurance and vigorously develop savings education insurance; Accelerate the construction of three Guangdong, Hong Kong and Macao cooperation platforms, Guangzhou Nansha, Shenzhen Qianhai and Zhuhai Hengqin, and expand the opening of the insurance industry to Hong Kong and Macao.
Noun interpretation
Insurance depth insurance density
Insurance depth refers to the ratio of premium income to regional gross domestic product (GDP), which reflects the position of local insurance industry in the whole national economy. Internationally, the average level of insurance depth in the world is 6.5%, more than 8% in developed countries and regions, while only 3% in China.
The insurance density refers to the per capita insurance premium calculated according to the local population, that is, the ratio of premium income to the total population. The world average is US $655, while China is only US $209, ranking 61st in the world.
Authoritative interpretation
Person in charge of Guangdong insurance enterprises talks about "nine articles in new province"-
'housing endowment insurance' pilot test insurance enterprises
The reporter of Nanfang Daily invited Chen Xiangrong, Secretary of the Party committee and general manager of China Life Insurance Guangdong Branch, and Secretary of the Party committee of PICC Property Insurance Guangdong branch General manager Guo Wenge made an interpretation for the readers.
Guangdong insurance industry meets great opportunities
Nanfang Daily: since the launch of the "new national ten articles" in the insurance industry in August 2014, it has aroused strong repercussions nationwide. What do you think will be the significance of the introduction of the "nine new provincial insurance articles" in Guangdong?
Chen Xiangrong: the new "provincial nine articles" is a major event for the entire insurance industry in Guangdong. The introduction of the "national ten articles" and the "provincial nine articles" will bring great opportunities to the development of the insurance industry in Guangdong Province.
Guo Wenge: the "new national ten articles" have defined the new positioning and set new goals for the development of the insurance industry. The issuance of the "new provincial nine articles" in Guangdong is a new symbol and starting point for the development of modern insurance industry in Guangdong. Guangdong's "new Province nine" defines the overall requirements, stage objectives, realization paths and safeguard measures, which is of great significance for accelerating the development of the insurance industry in the whole province and giving full play to the functions of insurance as a social 'stabilizer', an economic 'booster' and a 'multiplier' for people's livelihood construction. It can be said that the introduction of the "nine new provincial articles" marks the arrival of the spring of the development of Guangdong's insurance industry.
We should accelerate the transformation of business model
Nanfang Daily: it is mentioned in the "new Province nine articles" of Guangdong insurance that by 2020, Guangdong will basically build a modern insurance service industry with strong service ability, innovation ability and international competitiveness, which is commensurate with Guangdong's economic and social development level and the needs of the people. What changes do you think Guangdong's insurance industry needs to make to achieve this goal?
Guo Wenge: I think the insurance industry in Guangdong should focus on promoting the 'four changes', including business model, business model, market structure and regulatory model. In terms of business model, modern insurance service industry should provide more advanced risk solutions, reduce the total amount of economic and social risks, actively participate in the risk management of relevant industrial chains, support and guide the development and growth of emerging industries, and promote the coordinated development of different industries. In terms of business model, the modern insurance service industry should also gradually move towards refinement and standardization, expand services to all fields of economy and society, fully absorb modern scientific and technological achievements and optimize the insurance value chain. In terms of market structure, the proportion of China's non auto insurance business will gradually increase, and new types of insurance will develop rapidly to meet the diversified insurance needs of economy and society. In terms of supervision mode, we should pay attention to the transformation of administrative supervision to marketization, legalization and internationalization. At the same time, the government and regulators should promote the implementation of relevant policies and release policy dividends for the development of the insurance industry.
Chen Xiangrong: for insurance institutions, it is more important to strengthen innovation and practice internal skills. For example, the "provincial nine articles" specifically proposed to explore the pilot of housing reverse mortgage endowment insurance (i.e. "housing endowment insurance") in Guangzhou, which is not only an opportunity for the insurance industry, but also puts forward high requirements for product innovation and management innovation of insurance companies. Only by constantly strengthening innovation and practicing internal skills can we seize these opportunities.
The field of "political security" cooperation will expand
Nanfang Daily: what changes do you think the "nine new provincial articles" will bring to Guangdong's insurance industry, especially the life insurance industry?
Chen Xiangrong: for the life insurance industry, the implementation of the "provincial nine articles" of Guangdong insurance will promote the continuous expansion of the cooperation field of "political insurance". The Third Plenary Session of the 18th CPC Central Committee proposed to change the functions of the government, hand over the things undertaken by the government and solved by the market to the market, and entrust the things within the scope of government responsibilities to commercial institutions. With the implementation of these policies, it will bring rapid growth of self operated business and handling business to insurance companies. For example, the serious illness insurance business for urban and rural residents currently being promoted in Guangdong province belongs to these types of businesses, and more policy businesses will be handled by commercial insurance institutions in the future.
At the same time, the field of promoting insurance business will continue to expand. " The introduction of the "new ten articles" and the "new nine articles" will greatly promote breakthroughs in business fields such as endowment insurance, health insurance, catastrophe insurance, liability insurance, agricultural insurance and credit guarantee insurance. For example, the document specifically proposes to actively promote the pilot declaration of individual tax extension commercial pension, which is a major policy benefit.
In addition, it will promote insurance institutions to actively participate in the economic and social development and construction of Guangdong. " The "provincial nine articles" specifically proposed to give full play to the unique advantages of long-term investment of insurance funds, and the measures introduced are very specific; At the same time, it is proposed to encourage insurance institutions to invest in the health and elderly care industry. It is of great significance for insurance institutions to further expand investment channels and improve investment returns. At the same time, it is of great significance for the government to speed up local economic and social construction. In 2014, China life had good cooperation with Guangzhou municipal government in investment. I believe that with the promotion of "provincial nine articles", we will further strengthen cooperation with local governments.